Travel insurance

[Dawn]

Now that we have all the details in place and the deposit has been paid I need to set up the travel insurance.

Quotes for the 3 of us are ranging for £33 to over £100. I know that cheapest is not necessarily best, so what do you look for in insurance cover, apart from eleventy billion pounds for medical expenses?

[Dawn]

Oh in case you're wondering, Steven's nannies have to sort out their own cover as they are ladies over a certain age.

[Wendy]

Mine is always mega expensive because of existing medical conditions but I always make sure we have:

Medical expenses for around £10m
Cancellation including for ill health
Travel disruption which includes missed flights, delayed flights, natural disasters etc
Personal liability - I always try to keep this to about £2m
Personal accident
Legal expenses
Baggage, delay, lost, stolen
Theft
Bankruptcy of travel company

Then there is all the usual standard cover.

[Dawn]

Looking at some of the cheaper policies and the cancellation cover does not cover the cost of half the holiday.

[Wendy]

You will probably find the cheaper companies don't have such good cover.

Have you tried the Post Office, they compare insurance companies and they are quite competitive.

I know it sounds silly but the other thing to do is look for an annul policy as these are sometimes cheaper with better cover. I always get an annual policy

[Dawn]

Yeah we had Post Office last time.

Might go with them again. Some places have comparable cover for a bit less but I've never heard of them.

[Wendy]

Some of the ones you haven't heard of are underwritten by the bigger companies, who are they